The Study On The Demand For Financial Products And Services For The Customers Of Community Banks

With the financial development of the Internet and the economic downturn,commercial banks were seeking a way out,started developing community banks.As one of the first Community Bank,Minsheng community banking has gradually formed its own model of community banking.The development time of Minsheng community banking is short and the impact of Internet financial should not be underestimated.Enhance the supply of financial products and improve their competitiveness is the focus of Minsheng Community banking in the future.This paper aims at Minsheng community banking financial product research,and through to the customers of Minsheng community banking financial products and service needs analysis,find the Minsheng community banking system in the problems in the development of financial products,thus contributing to the further development of Minsheng community banking provides strategies,has a certain meaning.This paper through research in the community bank and ask questions.The first chapter of this paper elaborates on the background and significance of the research,then discusses the concept of community banks and community banks at home and abroad of financial products supply and demand analysis of relevant literature,and finally the innovation and insufficient.The financial products of Minsheng community banking were analyzed in Chapter second.Minsheng Bank as one of the first Community Bank Commercial Bank developed,formed the savings products,payment and settlement products,financial products and consumer credit products for the integrated financial system.Chapter by way of questionnaires in Hohhot area studies investigating community customers of Minsheng community banking financial product research on the current situation of,and find the problems.Fourth chapter analyses the customers of Minsheng community banking factors affecting the demand for banking products,found that gender,age,income,occupation,education,awareness to a certain extent affect the customer demand for different financial products by Logistic regression method.Before the adoption of the fifth chapter analyses from the product perspective,channels,angles,in terms of marketing and service point of the angles of the Minsheng bank financial products in the future development of community banks with it.